If you were to pass away because of some other reason other than an accident, then you won't get a payout from the plan. (chooseterm.com)
If you were to die because of some other reason other than an accident, your loved ones might not get the financial assistance they need to pay for your funeral or other expenses. (lifeinsuranceblog.net)
Whole life policies offer a choice of having a level benefit (where the policy pays out the face amount and any rider benefits to a named beneficiary upon the insured's death), or a graded benefit (where the policy will pay out a reduced amount of benefit if the insured's death occurs for reasons other than an accident within the first two policy years). (goodfinancialcents.com)